The Fundamentals of Cash Flow Modelling

20-Apr-2012

Creating a balance in life is important and core to this is knowing how to achieve your financial goals. With every financial corner you turn it’s important to ‘run through the numbers’, which will help you make the right financial decisions.

Guarding Against Inheritance Tax biting into your estate

20-Apr-2012

It is never too early to start planning where Inheritance Tax (IHT) is concerned. At the very least, you should keep a watching brief on the value of assets that could be part of your estate, particularly in relation to the inheritance tax nil-rate band.

Reduction in Lifetime Allowance

20-Apr-2012

Last October the Government announced a reduction in the lifetime allowance – put simply, the amount of money you’re allowed to have in your personal pension fund – from £1.8 million to £1.5 million.

Protected Rights - new possibilities from April 6th

20-Apr-2012

Historically, many people chose to contract out of the State Earnings Related Pension Scheme using a personal pension scheme. Put simply, this meant that the money that would have gone into the State Earnings Related Pension Scheme (SERPS) went into their personal pensions instead – effectively, they were swapping known benefits from the Government for unknown (but potentially greater) benefits from their own pension scheme.

Pensions Automatic Enrolment Timetable

1-Mar-2012

Steve Webb, the Minister of State for the Department of Work and Pensions (DWP), confirmed the timetable for automatic enrolment in a recent Government announcement.

Savers left short-changed by unfair annuities system

1-Mar-2012

The National Association of Pension Funds (NAPF) and the Pensions Institute (PI) at Cass Business School published a joint report early in 2012, suggesting that around half a million people retiring each year are being short-changed by up to £1bn from their total future pension income, because overwhelming obstacles stop them getting the best deal within the annuity market.